State Farm Review
By Itai Varochik | Last updated February 1, 2026
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Our Verdict
State Farm is the best insurer for customers who value a personal agent relationship, need comprehensive multi-policy coverage, and prioritize claims service over absolute lowest pricing. If you want a human advocate for your insurance needs, State Farm delivers.
GetASearch Score: 8/10
Rating: 4.3/5 (4200 reviews)
Pros
- Largest insurer in US
- Local agent network
- Strong bundling discounts
- Financial stability
Cons
- Online tools dated
- Higher premiums
- Limited online-only options
- Slower claims process
Score Breakdown
| Criteria | Score |
|---|---|
| Features | 8.0/10 |
| Ease of Use | 7.0/10 |
| Value for Money | 7.0/10 |
| Customer Support | 8.0/10 |
| Overall | 8.0/10 |
What is State Farm?
State Farm is the largest property and casualty insurer in the United States, serving over 87 million policies and accounts through a network of nearly 19,000 exclusive agents. Founded in 1922 by George J. Mecherle in Bloomington, Illinois, State Farm operates as a mutual company owned by its policyholders, which aligns its incentives with customer service rather than shareholder returns. State Farm's defining advantage is its agent network. Unlike GEICO or Progressive's direct-to-consumer model, State Farm assigns each customer a dedicated local agent who provides personalized advice, handles claims advocacy, and conducts periodic coverage reviews. For customers who value a relationship with their insurance provider - especially for complex situations like home purchases, life events, or multi-policy optimization - this agent model is invaluable. Auto insurance coverage is comprehensive, including liability, collision, comprehensive, medical payments, uninsured motorist, and rental car/travel expenses. The Drive Safe & Save program uses telematics (through the app or an OBD-II device) to monitor driving behavior and offers discounts of up to 30% for safe drivers. Steer Clear, a program for young drivers under 25, provides additional discounts for completing safe driving modules. Bundling is where State Farm truly shines. Combining auto, homeowners/renters, life, and umbrella policies with a single agent often produces the best overall pricing. State Farm's homeowners insurance is particularly strong, consistently ranking in the top tier for claims satisfaction in J.D. Power surveys. The company also offers banking products (savings accounts, CDs, credit cards) and investment services through State Farm Financial. The State Farm mobile app handles policy management, claims filing (with photo/video upload), roadside assistance, and payment processing. However, the app experience is less polished than GEICO's, and the company's technology modernization has been slower than digital-native competitors. Limitations include pricing that's often higher than GEICO or Progressive for comparable auto coverage (the agent model has costs), slower quote processes (online quotes are available but less instant), and a more traditional approach to customer interaction that may feel outdated to younger, digitally-native customers.
State Farm Features
| Feature | Available | Description |
|---|---|---|
| Bundle Discounts | Yes | Save by combining policies |
| Local Agents | Yes | In-person support |
| Drive Safe | Yes | Telematics discount |
State Farm Pricing
Varies by coverage
Best For
- Bundle buyers
- Agent-preference customers
- Homeowners
- Families
Final Verdict
State Farm is the best insurer for customers who value a personal agent relationship, need comprehensive multi-policy coverage, and prioritize claims service over absolute lowest pricing. If you want a human advocate for your insurance needs, State Farm delivers.